Certified counselors assist you with options to help you save your home from foreclosure.  The program continues to help homeowners facing foreclosure by providing them with much needed loss mitigation counseling.

Home Protection Program (HPP)

The Home Protection Program helps workers who lose their jobs because of changing economic conditions, such as plant closing or lay-off.  It can provide a loan to pay your mortgage while you look for a job or train for a new one, and counseling to help you understand your options and plan your next step.

The program was funded by the NC General Assembly and the loans are offered by the NC Housing Finance Agency in partnership with housing counseling organizations that serve all 100 counties in NC.

Reverse Mortgage Counseling

Reverse mortgage counseling is a free service offered to educate you about reverse mortages, inform you of alternative options available, and to assist you in determining which particular reverse mortgage product best fits your needs.

A reverse mortgage is a loan secured by home equity providing cash advances to a borrower and requiring no repayment until the last surviving borrower dies, sells or moves.  All borrowers must be at least 62 years old, occupy the home as their principal resident residence, and must have a relatively small amount of debt against the property (typically no more than half the value of the property).